Latest Ratios: P/E Ratio 13.6x · EV/EBITDA 11.0x · ROE 12.5%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.6B | $1.4B | $1.4B | $1.1B | $815M | $1.0B | $753M | $980M | $816M | $799M | $829M |
| Enterprise Value | $2.0B | $1.8B | $1.5B | $1.3B | $851M | $644M | $799M | $1.6B | $1.5B | $1.5B | $1.6B |
| P/E Ratio → | 13.62 | 10.41 | 13.49 | 12.12 | 8.95 | 11.93 | 9.04 | 10.66 | 10.35 | 17.52 | 18.05 |
| P/S Ratio | 3.03 | 2.62 | 2.73 | 2.60 | 2.58 | 3.37 | 2.25 | 2.85 | 2.59 | 2.92 | 3.64 |
| P/B Ratio | 1.62 | 1.24 | 1.38 | 1.20 | 0.95 | 1.25 | 0.91 | 1.28 | 1.18 | 1.26 | 1.37 |
| P/FCF | 9.80 | 8.48 | 9.53 | 10.77 | 5.38 | 11.06 | 10.48 | 10.61 | 7.46 | 12.21 | 20.39 |
| P/OCF | 9.38 | 8.12 | 9.16 | 10.09 | 5.26 | 10.43 | 9.98 | 9.31 | 6.84 | 10.27 | 17.38 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.40 | 2.94 | 3.06 | 2.69 | 2.08 | 2.38 | 4.63 | 4.75 | 5.42 | 6.85 |
| EV / EBITDA | 11.01 | 9.83 | 10.32 | 10.07 | 6.31 | 4.96 | 6.88 | 12.80 | 14.26 | 16.77 | 19.95 |
| EV / EBIT | 11.98 | 10.70 | 11.50 | 11.41 | 7.28 | 5.78 | 7.78 | 14.04 | 15.90 | 18.91 | 22.57 |
| EV / FCF | — | 11.01 | 10.26 | 12.71 | 5.62 | 6.82 | 11.12 | 17.22 | 13.70 | 22.66 | 38.30 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.0% | 74.0% | 64.9% | 72.7% | 90.6% | 93.4% | 84.7% | 79.5% | 80.5% | 82.4% | 85.7% |
| Operating Margin | 31.8% | 31.8% | 25.6% | 26.9% | 37.0% | 35.9% | 30.6% | 33.0% | 29.9% | 28.7% | 30.3% |
| Net Profit Margin | 25.2% | 25.2% | 20.3% | 21.4% | 28.8% | 28.3% | 24.8% | 26.7% | 24.7% | 16.7% | 20.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 12.5% | 10.6% | 10.2% | 10.8% | 10.6% | 10.5% | 12.6% | 11.8% | 7.4% | 7.8% |
| ROA | 1.9% | 1.9% | 1.5% | 1.5% | 1.5% | 1.4% | 1.4% | 1.7% | 1.5% | 0.9% | 1.0% |
| ROIC | 7.6% | 7.6% | 6.5% | 6.5% | 7.3% | 6.6% | 4.9% | 4.9% | 4.2% | 3.6% | 3.1% |
| ROCE | 4.0% | 4.0% | 8.6% | 9.0% | 11.4% | 10.2% | 7.1% | 6.9% | 6.2% | 5.3% | 4.9% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.57 | 0.54 | 0.56 | 0.41 | 0.43 | 0.65 | 1.30 | 1.50 | 1.55 | 1.68 |
| Debt / EBITDA | 3.48 | 3.48 | 3.76 | 4.00 | 2.59 | 2.74 | 4.58 | 8.01 | 9.85 | 11.12 | 13.04 |
| Net Debt / Equity | — | 0.37 | 0.10 | 0.22 | 0.04 | -0.48 | 0.06 | 0.80 | 0.99 | 1.08 | 1.20 |
| Net Debt / EBITDA | 2.26 | 2.26 | 0.73 | 1.53 | 0.27 | -3.09 | 0.40 | 4.91 | 6.50 | 7.73 | 9.33 |
| Debt / FCF | — | 2.53 | 0.72 | 1.93 | 0.24 | -4.25 | 0.64 | 6.61 | 6.24 | 10.45 | 17.91 |
| Interest Coverage | 1.60 | 1.60 | 1.06 | 1.68 | 15.59 | 19.67 | 5.15 | 2.53 | 3.13 | 3.87 | 3.84 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.68 | 0.68 | 0.16 | 0.19 | 0.20 | 0.25 | 0.21 | 0.22 | 0.23 | 0.23 | 0.24 |
| Quick Ratio | 0.68 | 0.68 | 0.16 | 0.19 | 0.20 | 0.25 | 0.21 | 0.22 | 0.23 | 0.23 | 0.24 |
| Cash Ratio | 0.62 | 0.62 | 0.08 | 0.06 | 0.07 | 0.15 | 0.10 | 0.10 | 0.10 | 0.08 | 0.09 |
| Asset Turnover | — | 0.07 | 0.07 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | 2.5% | 2.2% | 2.6% | 3.2% | 2.4% | 3.1% | 2.2% | 2.4% | 2.2% | 2.0% |
| Payout Ratio | 25.8% | 25.8% | 30.1% | 31.4% | 28.7% | 28.2% | 27.9% | 23.3% | 25.0% | 38.7% | 36.5% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.3% | 9.6% | 7.4% | 8.2% | 11.2% | 8.4% | 11.1% | 9.4% | 9.7% | 5.7% | 5.5% |
| FCF Yield | 10.2% | 11.8% | 10.5% | 9.3% | 18.6% | 9.0% | 9.5% | 9.4% | 13.4% | 8.2% | 4.9% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.9% | 1.5% | 4.5% | 0.5% | 0.1% | 0.1% | 0.1% | 0.1% |
| Total Shareholder Yield | 1.9% | 2.5% | 2.2% | 4.4% | 4.8% | 6.9% | 3.6% | 2.3% | 2.5% | 2.3% | 2.2% |
| Shares Outstanding | — | $20M | $20M | $20M | $20M | $21M | $21M | $21M | $21M | $21M | $21M |
Seasonal credit concentration risk
Based on recent market data, Republic Bancorp trades at a P/B of 1.61, a multiple that appears to reflect a persistent complexity discount relative to traditional regional peers, despite the bank's ability to generate superior fee-based returns through its specialized tax and consumer credit segments.
The current valuation suggests that investors remain cautious regarding the sustainability of the bank's seasonal earnings spikes. This multiple warrants further investigation into whether the market is correctly pricing the durability of the Tax Refund Solutions segment or if it is overly penalizing the bank for its non-traditional business model.
As reported in financial statements, the bank's ROE fluctuated between 1.9% and 4.7% over the last ten quarters, illustrating that profitability is heavily driven by the seasonal contribution of non-interest income rather than consistent asset utilization across the entire fiscal year.
The DuPont decomposition indicates that while leverage remains stable, the primary driver of ROE volatility is the cyclical nature of fee income. Investors should monitor how management balances this high-margin, seasonal revenue with the underlying cost of maintaining a traditional community banking infrastructure.
According to recent quarterly filings, the efficiency ratio improved to 36.4% in 2026Q1 from 47.7% in 2025Q4, demonstrating the bank's ability to leverage its fixed-cost infrastructure during the peak revenue periods associated with its Tax Refund Solutions segment.
The compression of the NIM to 1.2% in 2026Q1 suggests that the bank faces significant pressure from rising funding costs and the competitive environment. This trend implies that the bank's operating leverage is highly dependent on its ability to capture low-cost deposits during the tax season.
As indicated by the company's reported figures, the bank maintained an equity-to-assets ratio of approximately 0.16 in 2026Q1, providing a stable capital cushion that appears sufficient to absorb the inherent volatility associated with its high-yield consumer credit and tax-related financial product segments.
This capital position suggests that the bank is well-positioned to manage its current risk profile without immediate dilution. However, the reliance on seasonal assets means that capital adequacy ratios may appear artificially inflated during periods of lower asset utilization, warranting a closer look at average capital levels.
The P/E ratio is the most commonly misapplied metric for Republic Bancorp, as it fails to account for the extreme seasonality of the TRS segment, which can lead to misleading earnings projections when analysts extrapolate quarterly results without adjusting for the tax season cycle.
Using a standard P/E multiple obscures the underlying quality of the bank's deposit franchise and the cyclical nature of its fee income. Investors should instead focus on P/TBV and normalized ROE to better assess the bank's long-term value creation and franchise strength.
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying RBCAA stock.
Republic Bancorp, Inc.'s current P/E ratio is 13.6x. The historical average is 12.6x. This places it at the 64th percentile of its historical range.
Republic Bancorp, Inc.'s current EV/EBITDA is 11.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 17.8x.
Republic Bancorp, Inc.'s return on equity (ROE) is 12.5%. The historical average is 12.6%.
Based on historical data, Republic Bancorp, Inc. is trading at a P/E of 13.6x. This is at the 64th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Republic Bancorp, Inc.'s current dividend yield is 1.89% with a payout ratio of 25.8%.
Republic Bancorp, Inc. has 74.0% gross margin and 31.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Republic Bancorp, Inc.'s Debt/EBITDA ratio is 3.5x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.